Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$235,114Cash toward the purchase price.
Closing costs + prepaids$10,311Not just lender fees.
Before credits & paid funds$245,425The complete starting cash picture.
Estimated remaining funds due at closing
$245,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,114.48
Your down payment$235,114.48
Closing costs + prepaids$10,310.76
Total buyer cash needed$245,425.24
Remaining funds due$245,425.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$408.00
Initial HOA (3 months)$50.01
Prepaid interest, first (12 days)$228.75
Fees + prepaids$10,310.76
Your down payment is the seller’s equity. You take over the $104,786 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $245,425.24 is due at closing. Uses and sources reconcile at $350,210.76 each. Not a Closing Disclosure.